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If we had a discussion about it and I genuinely felt that meeting the repayments on an ongoing basis wouldn't be a problem, I'd have no problem writing the loan.

It's not actually in the mortgage documents, but it is in the loan application. They generally ask if there'll be an adverse change in the future and for a mitigant. About 2 years ago I worked with a client who was expecting a reduction in income for about 6 months. It was anticipated and...

If you're essentially moving to the same position with a new employer, the CBA will usually be fine as long as they can see a couple of payslips. A few other lenders can also be okay with this. This scenario can be a little hit-and-miss however, because it can also be dependant on the risk...